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Paraphernal vs absolute

I'm glad to find your website. I know many Filipinos who are in need of advice can receive help from you.

I have a problem regarding my credit cards.I have at least 800k bill in one of my credit cards and another 100k to my other one.I've been a good client before but because of unfavorable circumstances in life, i'm no longer able to pay my debt. I need to provide first for my family before pay my obligations.

I haven't defaulted them yet but I don't have enough resources to pay them monthly, they are maxed out so I'm really on a difficult situation.

What do you think is the best thing for me to do re: my credit cards?

What are the steps I might expect the credit card companies will do to force me to pay them?

Should i engage with them or just ignore them until I have funds to pay them?

My wife is a supplementary on my 800k bill but i cut her 2 months ago. Is my wife still liable with my debt?

My wife is among the 4 owners (her parents and her brother) in the title so she is not the sole owner of their land titles.

Are my wife's properties be taken away from her by the court to be given as payment to my credit card debts even though they were purchased before our marriage and she was listed as single in the land title?

Can the credit card companies go after my wife's properties even though she was just a supplement user of my credit card and my name is not on the land titles?

One more thing, can credit cards find fraud if i have pending installments then default them?

Can credit card companies can bring me to court, I'm I gonna be in trouble with the law, can I be sued criminally?